INSURANCE

Florida SouthWestern State College makes various insurance plans available for all full-time regular and full-time temporary employees (working six full consecutive months or more in the same position). Insurance is effective the first of the month following the date of hire. Premiums for all employee paid benefits are payroll deducted.

Medical

Florida SouthWestern State College pays the monthly premium for medical insurance for the employee. Employees may choose from three Grandfathered health plans through Florida Blue; a Preferred Patient Option (PPO), a Health Maintenance Organization (HMO), and a Health Reimbursement Account (HRA). All Grandfathered plans meet the grandfathered status required for Health Care Reform Compliancy.

The College also offers two new health plans for 2014; a New PPO Blue Options 3769, and a New HMO Blue Care 58. Both new plans are fully Health Care Reform Compliant.

Employees may choose to cover their dependents under this policy within the first 30 days of employment or during the annual open enrollment.

A Dental and Vision (DV) plan is available only to employees who have other primary insurance. No dependent coverage is available under the DV Plan.

Flexible Spending Account

Employees may participate in an FSA to utilize pre-tax dollars for medical, dental, vision and dependent care expenses. The plan is administered by Custom Benefit Services and is a voluntary, employee paid benefit.

Dental

Two dental plans through Delta Dental are offered by the College as a voluntary, employee paid benefit. Employees may also choose to cover their dependents under this policy within the first 30 days of employment or during the annual open enrollment.

Vision

The college offers a vision plan through VSP. This is a voluntary, employee paid benefit offered to employees and their dependents within the first 30 days of employment or during annual open enrollment.

Life Insurance Evidence of Insurability Form

A $15,000 basic term life insurance and accidental death/dismemberment policy is provided by the College. Employees also have the option of purchasing additional supplemental life insurance at one, two or three times their annual salary based on approval.

Long Term and Short Term Disability

The College will pay 100% of the premium to provide long term disability insurance that will pay 66 2/3% of the employee’s salary beginning on the 91st day after a continuous period of disability. Employees may purchase short-term disability through the Standard Insurance Company during the first 30 days of employment.

AFLAC – Cancer Indemnity Plan

The College offers a cancer indemnity plan through AFLAC. This is a voluntary, employee paid benefit offered to employees and their dependents within the first 30 days of employment or during the annual open enrollment.

Cafeteria Plan (Section 125)

Under the Cafeteria Plan (Section 125) dependent health premiums, dental insurance premiums, vision insurance premiums, and AFLAC premiums will be deducted prior to Federal Income or Social Security taxes being withheld. Certain guidelines must be followed.

See details on Health Related Benefits